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Pay later with Very Pay

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The Very Collection Embroidered Peplum Vest - Cream

The Very Collection

Embroidered Peplum Vest - Cream

Current sale price is £12.50

(Save £12.50)

Regular price was £25

1 out of 5 stars

1 review

The Very Collection Ruched Vest - Yellow

The Very Collection

Ruched Vest - Yellow

Current sale price is £10

(Save £8)

Regular price was £18

1 out of 5 stars

2 reviews

River Island Short Sleeve Spliced Lace T-Shirt - Black

Short Sleeve Spliced Lace T-Shirt - Black

Current sale price is £25

(Save £4)

Regular price was £29

1 out of 5 stars

1 review

The Very Collection Girls 3 Pack T-Shirts - Multi

The Very Collection

Girls 3 Pack T-Shirts - Multi

Current sale price is From £9.50

(Save up to £9)

Regular price was From £16

1.5 out of 5 stars

2 reviews

The Very Collection Stripe Boxy Polo Shirt - Blue

The Very Collection

Stripe Boxy Polo Shirt - Blue

Current sale price is £10

(Save £8)

Regular price was £18

1 out of 5 stars

1 review

The Very Collection Tie Front Long Sleeve Top - White

The Very Collection

Tie Front Long Sleeve Top - White

Current sale price is £7

(Save £11)

Regular price was £18

1 out of 5 stars

1 review

Mango Square-neck Co-ord Strappy Top - Black

Square-neck Co-ord Strappy Top - Black

£20

1 out of 5 stars

1 review

The Very Collection Textured Trophy Neck Polo Shirt - Light Blue

The Very Collection

Textured Trophy Neck Polo Shirt - Light Blue

Current sale price is £15

(Save £7)

Regular price was £22

1 out of 5 stars

1 review

Michelle Keegan Sheer Knitted Polo Top - Brown

Michelle Keegan

Sheer Knitted Polo Top - Brown

Current sale price is £10

(Save £15)

Regular price was £25

1 out of 5 stars

1 review

Mango Gold Detail Blouse - Cream

Gold Detail Blouse - Cream

Current sale price is £17.25

(Save £18.75)

Regular price was £36

1 out of 5 stars

1 review

River Island Linen Blend Shirt - Black

Linen Blend Shirt - Black

Current sale price is £19.50

(Save £9.50)

Regular price was £29

1 out of 5 stars

1 review

New Look Soft Touch Wavy Halter Top - Brown

Soft Touch Wavy Halter Top - Brown

Current sale price is £12.25

(Save £11.74)

Regular price was £23.99

1 out of 5 stars

1 review

The Very Collection Pure Cotton Washed Embroidery Detail Graphic Long Sleeve T-Shirt - Blue

The Very Collection

Pure Cotton Washed Embroidery Detail Graphic Long Sleeve T-Shirt - Blue

Current sale price is £10.25

(Save £7.75)

Regular price was £18

1 out of 5 stars

1 review

The Very Collection Curve Textured Stripe Collared Top

The Very Collection

Curve Textured Stripe Collared Top

Current sale price is £10

(Save £12)

Regular price was £22

1.3 out of 5 stars

3 reviews

The Very Collection Pure Cotton Premium Relaxed Fit Pocket T-Shirt - White

The Very Collection

Pure Cotton Premium Relaxed Fit Pocket T-Shirt - White

£15

1 out of 5 stars

1 review

New Look Navy Soft Touch Tie Waist Top

Navy Soft Touch Tie Waist Top

Current sale price is £7.75

(Save £12.24)

Regular price was £19.99

1 out of 5 stars

1 review

The Very Collection Pure Cotton Long Sleeve Premium T-Shirt - White

The Very Collection

Pure Cotton Long Sleeve Premium T-Shirt - White

Current sale price is £8.25

(Save £3.75)

Regular price was £12

1 out of 5 stars

1 review

The Very Collection 2 Pack Stretch Rib T-Shirts - Multi

The Very Collection

2 Pack Stretch Rib T-Shirts - Multi

Current sale price is £9.50

(Save £8.50)

Regular price was £18

1 out of 5 stars

1 review

Roman Crochet Knit Vest - Cream

Crochet Knit Vest - Cream

£42

1 out of 5 stars

1 review

Gym King Womens 365 Full Zip Funnel - Grey

Womens 365 Full Zip Funnel - Grey

Current sale price is £19.50

(Save £15.50)

Regular price was £35

1 out of 5 stars

1 review

Mint Velvet Ramie Puff Sleeve Blouse - Yellow

Ramie Puff Sleeve Blouse - Yellow

£89

1 out of 5 stars

1 review

V by Very Longline Frill Front Lace Top - Cream

Longline Frill Front Lace Top - Cream

Current sale price is £24.50

(Save £10.50)

Regular price was £35

1 out of 5 stars

1 review

JDY Pepper 3/4 Sleeve Blouse - Khaki

Pepper 3/4 Sleeve Blouse - Khaki

Current sale price is £17

(Save £8)

Regular price was £25

1 out of 5 stars

1 review

Calvin Klein Loungewear Waffle Henley Long Sleeve T-Shirt - Grey

Loungewear Waffle Henley Long Sleeve T-Shirt - Grey

Current sale price is £15

(Save £23)

Regular price was £38

1 out of 5 stars

1 review

Apricot Paisley Embroid Linen Bardot Top

Paisley Embroid Linen Bardot Top

£35

1 out of 5 stars

1 review

Yours Curve All Over Lace T-Shirt - White

Curve All Over Lace T-Shirt - White

£22

1 out of 5 stars

1 review

V by Very Curve Contrast Embroidery Angel Sleeve Blouse - White

V by Very Curve

Contrast Embroidery Angel Sleeve Blouse - White

Current sale price is £12.25

(Save £15.75)

Regular price was £28

1.5 out of 5 stars

2 reviews

Mint Velvet Scoop Neck Layering Top - Black

Scoop Neck Layering Top - Black

£35

1 out of 5 stars

1 review

Mint Velvet Ramie Puff Sleeve Top - Blue

Ramie Puff Sleeve Top - Blue

£89

1 out of 5 stars

1 review

Roman Petite Crochet Top

Petite Crochet Top

£42

1 out of 5 stars

1 review

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Very Pay credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18's only.

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© The Very Group Limited. All Rights Reserved.

Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Representative Example:

Representative 44.9% APR variable

(interest rate 44.9% p.a. variable). Based on £1,200 credit limit.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then into 'My APR'.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Buy Now Pay Later

What is Buy Now Pay Later (BNPL)?

BNPL is an interest bearing option that allows you to delay payments on your purchases. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You could delay payment for 6, 9 or 12 months depending on how much you spend.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How do I avoid paying interest?

You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period.

Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.

How do I make a BNPL payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. Any outstanding balance plus the interest will now become payable.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

What is excluded from BNPL?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my monthly minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.

Take 3

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.
Representative 44.9% APR variable

Take 3

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.